Lexus IS 250 Insurance Rates

The average insurance rates for a Lexus IS 250 are $1,502 a year including full coverage. Comprehensive costs around $362 each year, collision insurance costs $688, and liability coverage costs $316. A liability-only policy costs as little as $376 a year, and high-risk insurance costs around $3,252. Teenage drivers cost the most to insure at up to $5,366 a year.

Average premium for full coverage: $1,502

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and IS 250 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down average Lexus IS 250 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $844
• Drivers who choose higher $1,000 deductibles will pay about $238 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,502
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,966
• High-risk insureds who are prone to accidents and violations could pay at least $3,252
• Policy cost that insures a teenage driver can be $5,366 a year

Car insurance rates for a Lexus IS 250 also range considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost around 45% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

Your home state makes a big difference in Lexus IS 250 insurance rates. A 40-year-old driver could pay as low as $1,150 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,140 on average in Michigan, New York, and Louisiana.

Using high physical damage deductibles could save up to $710 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2024 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Lexus IS 250 Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below you'll find a brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save up to $190 per year just by quoting online in advance
• Drivers who tend to receive serious violations may have to pay on average $1,750 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Youthful drivers are the costliest to insure, with premiums being up to $447 each month if full coverage is purchased